Job Description :

Turn complex financial and loan documentation into clear, decision-ready insights. In this role, you will help ensure data quality, strong documentation standards, and timely processing. You will partner with stakeholders across credit and operations while building deep expertise in financial analysis and lending documentation.

As a Financial statement spreading analyst in the Credit and lending operations team, you will analyze borrower financial information, spread statements, and abstract key terms from loan-related documents to support sound credit processes. You will apply quality standards, meet service-level commitments, and collaborate with stakeholders to resolve documentation gaps. You will also use internal systems to interpret data and produce accurate outputs that enable informed decisions.

Job responsibilities

Analyze financial statements and complete spreading in accordance with documented guidelines
Process financial statements and supporting documents (e.g., appraisal reports, borrowing base certificates, compliance certificates) and abstract critical data
Review loan and mortgage-related documents and process transactions according to service-level agreement requirements
Interpret legal and underwriting-related documentation and perform due diligence to support lending requirements
Research incoming requests and complete deliverables within agreed timelines
Use internal systems to interpret data, analyze results, and document outcomes accurately
Follow up on missing or deficient documentation with relevant stakeholders
Apply judgment to make informed decisions within documented process guidelines and escalation paths

Required qualifications, capabilities and skills

2+ years of experience in banking, mortgage, financial analysis, loan operations, or a related field
Demonstrated ability to analyze financial statements and accurately spread/abstract key financial data
Working knowledge of common lending and servicing documents (e.g., lease agreements, mortgage documents, credit agreements, accounts receivable/payable reporting, rent rolls)
Strong verbal and written communication skills to collaborate with stakeholders across levels
Ability to manage complex requests with minimal supervision and make independent process decisions within defined guidelines
Advanced proficiency in Microsoft Excel and Microsoft Access
Strong attention to detail and problem-solving skills
Effective time management, prioritization, and issue management skills
Ability and willingness to work in shifts

Preferred qualifications, capabilities and skills

Bachelor's degree in commerce, accounting, finance, or a related discipline
Experience interpreting legal or underwriting-related documentation in a credit or lending environment
Demonstrated flexibility and accountability in a fast-paced operations setting
Strong interpersonal skills and ability to work effectively in a team environment

Credit Card Support Specialist IV